Skip Navigation
Rewards Learn
Join

Fees and costs in your Super Savings Accumulation account

As a profit for members fund, we strive to keep our fees and costs low so we can pass on the savings to you.

An administration fee will come out of your Super Savings Accumulation account to cover our administration costs and like most super funds, an investment fee (depending on your investment option) will apply.

Accumulation account administration fees

Members pay a low administration fee of just $1.50 per week plus 0.10% p.a. for the first $800,000 of their account balance - with our administration fee among the lowest in the industry.

For balances under $6,000 a maximum 3%1 fee cap applies to all Australian Retirement Trust accounts, inclusive of administration fees, investment fees and indirect costs.

Fee calculator

Use our calculator to get an approximation of the administration fees and costs you'll pay.
The calculator does not include the 3% cap for account balances less than $6,000. Please note that the Administration fee calculator does not include investment fees and indirect costs in its assumption, as this is dependent on how your superannuation is invested.

Choose lower fees

Fees and costs at a glance

The full range of fees and costs associated with an investment in Australian Retirement Trust Super Savings Accumulation accounts are set out below:

Type of fee Amount How and when paid
Investment fee1 For the Lifecycle Investment Strategy: Estimated base fee of 0.22% p.a. - 0.24% p.a.2,7 plus estimated performance-related fee of 0.03% p.a.2,7, a total of 0.25% p.a. - 0.27% p.a.2,7 of your account balance.

For Australian Retirement Trust's other investment options: Estimated base fee of between 0.07% p.a.2 and 0.27% p.a.2 plus estimated performance-related fee of between 0.00% p.a.2 and 0.08% p.a.2 of your account balance.   		Deducted daily from the investment option(s) as part of the calculation of daily unit prices.
 
Administration fee1
 $1.503 per week plus 0.10% p.a. for the first $800,000 of your account balance only.
(If your Accumulation account balance is over $800,000 a nil percent Administration fee applies to the balance over $800,000) 		Generally deducted from your account balance weekly.3, 8


 
Buy-sell spread Nil
 n/a
Switching fee Nil n/a
Advice fees
Relating to all members investing in Super Savings investment options		 Nil4 n/a
Other fees and costs Refer to the Additional explanation of fees and costs in this guide. For insurance fees refer to the Super Savings Insurance guide.5
Indirect cost ratio1
For the Lifecycle Investment Strategy: 0.66% p.a. to 0.73% p.a.6,7

For Australian Retirement Trust’s other investment options: 0.00% p.a. to 2.83% p.a.6 		Not charged by Australian Retirement Trust, but instead incurred within underlying investments and deducted from investment returns prior to calculation of daily unit prices.
1 If your account balance for a product offered by the superannuation entity is less than $6,000 at the end of the financial year, the total combined amount of administration fees, investment fees and indirect costs charged to you is capped at 3% of the account balance. Any amount charged in excess of that cap must be refunded. If you have multiple Australian Retirement Trust Super Savings accounts, your eligibility for this fee cap refund is determined based on your total balance across all Australian Retirement Trust Super Savings accounts you hold.
2 Actual investment fees for the full range of investment options may be higher or lower than the costs expressed above. For information on investment fees, including estimated fees for our full range of options, refer to Additional explanation of fees and costs in the Super Savings guide.
3 Some Super Savings - Business or Super Savings - Corporate plans may have different fee arrangements. Refer to your Super Savings - Business Plan information factsheet or your Super Savings - Corporate PDS, for more information.
4 For Australian Retirement Trust intra-fund advice. If you engage with an external financial adviser and receive personal advice, the cost of this advice can be deducted from your Australian Retirement Trust account. For more information refer to the Additional explanation of fees and costs in the Super Savings guide.
5 Super Savings – Business members should refer to the Super Savings – Business Insurance guide and Super Savings – Business Plan information factsheet. Super Savings – Corporate members should refer to the Super Savings – Corporate Insurance guide.
6 The indirect cost ratio is calculated using actual costs and reasonable estimates of actual costs incurred in the previous financial year, and can vary each financial year. For information on indirect cost ratios, including the ratios for our full range of options, refer to Additional explanation of fees and costs in the Super Savings guide.
7 The estimated investment fees for the Super Savings Balanced and Retirement Pools are 0.24% p.a. (Base) and 0.03% (Performance-related), and Super Savings Cash Pool are 0.08% p.a. (Base) and 0.00% p.a. (Performance-related). The indirect cost ratio for the Balanced Pool is 0.73% p.a., Retirement Pool is 0.73% p.a. and Cash Pool is 0.00% p.a. The investment fees and indirect costs incurred will vary depending on your allocation to each Pool. The estimated investment fees totalling 0.25% p.a. and the 0.54% p.a. indirect cost ratio shown are estimated based on 90% Retirement Pool, 10% Cash Pool.
8 This fee is not pro-rated for partial weeks.
Note: If you have more than one Super Savings account with Australian Retirement Trust:
  • The fee cap for balances greater than $800,000 applies to each individual account and is not aggregated across multiple accounts.
  • The fee cap for balances less than $6,000 takes into account your aggregate balance across all accounts you hold with Australian Retirement Trust.

Want to learn more?

 Compare admin fees

 If you are retired and have an Australian Retirement Trust Super Savings Retirement income account, check the fees and costs that may apply to your account.

 Take a look at the breakdown of investment fees and costs for each investment option.

 See the definitions for fees and costs.